Liability Insurance Archives - Gannon Associates

Errors and Omissions Insurance: Do You Need It?
Errors and Omissions Insurance: Do You Need It?

Errors and Omissions Insurance: Do You Need It?

Mistakes happen to everyone, even professionals. Whether you are a real estate agent and you forgot to include important details about a home to a buyer or a tax preparer who made a bad calculation… it can happen. However, if a mistake you or your business made causes a client to experience financial loss you could have a lawsuit on your hands. So how do you protect your business? Errors and Omissions Insurance. Errors and omissions insurance, also commonly referred to as E&O, is professional liability insurance that helps protect you from lawsuits [...]

Kali Jo Grove2022-06-01T18:47:39+00:00June 19th, 2022|

Who Needs EPLI?
Who Needs EPLI?

Who Needs EPLI?

We’ve all heard horror stories. An employee was let go and then turned around and sued the company claiming wrongful termination. An employee sues their company on the grounds of discrimination or harassment. We have repeatedly heard this in the news and from our business contacts or friends and think that could never happen to us. WRONG! Employment practices claims can happen to organizations of every size, industry, and at any level. They can disrupt businesses, damage reputations, hurt employee morale, and hit a company hard financially… all before they ever see a [...]

Kali Jo Grove2022-03-04T15:31:21+00:00March 27th, 2022|

Trucking: Insurance For Your Unique Needs
Trucking: Insurance For Your Unique Needs

Trucking: Insurance For Your Unique Needs

From owner-operators to major fleets, the trucking industry is one that faces many risks. Whether it’s employee injury and illness or damage to your trucks, the right insurance protection is important. For the trucking industry specifically, insurance can quickly become one of the most complicated aspects of business because your coverages and premiums are dependent on so many things. Everything from the age of your drivers and vehicles to the type of materials you are transporting is a factor. Because this can be complex, let us help break down some of [...]

Kali Jo Grove2022-02-23T16:58:56+00:00February 23rd, 2022|

Who Needs Public Liability Insurance?
Who Needs Public Liability Insurance?

Who Needs Public Liability Insurance?

Does your business need public liability insurance to cover any future lawsuits and the settlement or compensation costs that come with them? While this coverage is not required unlike employers’ liability insurance, which includes workers' compensation, it is safe to say every business needs public liability protection to some extent.How much public liability coverage you need depends on what kind of business you are in and your own unique risks. For example, a landscaper or brewery could have greater risks than a walk-in retail store or professional business (realtor, insurance agency, or attorney [...]

Kali Jo Grove2021-11-18T15:29:18+00:00November 18th, 2021|

Municipalities… Insurance For Your Unique Needs
Municipalities… Insurance For Your Unique Needs

Municipalities… Insurance For Your Unique Needs

Municipalities face a lot of risks. From a child getting hurt on a community playground to a town official being sued as the result of their decision-making, many things can go wrong when you are running local government. How can you protect yourself, your staff, and your municipality? The right insurance coverage can help you manage the risks. Every county, parish, town, township, city, and village are unique and require insurance solutions tailored to their distinct needs. Let’s take a look at some of the coverage options you should consider. [...]

Kali Jo Grove2021-11-18T17:54:17+00:00November 18th, 2021|

Importance of Directors and Officers Liability Insurance
Importance of Directors and Officers Liability Insurance

Importance of Directors and Officers Liability Insurance

As a director or officer of an organization, you make many important decisions regarding everything from policy choices to financial aspects. These decisions help your company to succeed, but they can also leave you and your organization open to lawsuits. Lawsuits that can be costly to you personally but also to your organization. Directors and offices can be sued for a variety of reasons related to their roles, including: Breach of fiduciary duty, resulting in financial loss or bankruptcy Misrepresentation of company assets Misuse of company funds Fraud Failure to comply with workplace [...]

Kali Jo Grove2021-07-29T17:29:16+00:00August 8th, 2021|

Construction and Excavating…Insurance Plans To Meet Your Need
Construction and Excavating…Insurance Plans To Meet Your Need

Construction and Excavating…Insurance Plans To Meet Your Need

As you know, contractors and excavators face more risks than most businesses. Big jobs call for heavy equipment, large crews, and comes with plenty of hazards. Your equipment is expensive and the chance for accidents is high. How can you protect yourself, your employees, and your company from the dangers you face every day just doing your job? One important tool you can use to manage risks is the right insurance coverage. The right package of policies can ensure you are covered in case there is an accident. There are always conditions [...]

Kali Jo Grove2021-05-11T18:07:55+00:00May 11th, 2021|